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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
See Safe Rate's top scoring lenders for Washington Unified School District (9-12)
We rank active Washington Unified School District (9-12) lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.896%APR 6.928% | 0 pts$0 | $2,017/moP&I $2,017 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.030%APR 6.796% | 0 pts$0 | $2,018/moP&I $1,875 · MI $143 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.997%APR 6.042% | 0 pts$0 | $1,836/moP&I $1,836 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.852%APR 6.884% | 0 pts$0 | $2,008/moP&I $2,008 · MI $0 | See details |
| Investment Property FixedConforming | 7.592%APR 7.628% | 0 pts$0 | $2,162/moP&I $2,162 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.997% | 6.042% | 0 pts ($0) | $2,585/mo | $51,610 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.969% | 6.015% | 0 pts ($0) | $3,226/mo | $71,671 |
Condo 10% Down | 10% | 720 credit score | 7.135% | 7.298% | 0 pts ($0) | $2,325/mo | $81,469 |
Conventional 10% Down | 10% | 720 credit score | 6.590% | 6.742% | 0 pts ($0) | $2,199/mo | $75,808 |
Conventional 20% Down | 20% | 740 credit score | 6.896% | 6.928% | 0 pts ($0) | $2,017/mo | $62,396 |
Conventional 5% Down | 5% | 700 credit score | 7.011% | 7.484% | 0 pts ($0) | $2,423/mo | $84,635 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.322% | 7.356% | 0 pts ($0) | $2,631/mo | $90,383 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,266/mo | $76,792 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.805% | 7.176% | 0 pts ($0) | $2,423/mo | $87,453 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.852% | 6.884% | 0 pts ($0) | $2,510/mo | $84,956 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,160/mo | $75,353 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.030% | 6.796% | 0 pts ($0) | $2,262/mo | $79,454 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,320/mo | $81,235 |
FHA Streamline Refi | 0% | 640 credit score | 6.202% | 6.971% | 0 pts ($0) | $2,387/mo | $84,351 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.984% | 7.224% | 0 pts ($0) | $2,417/mo | $87,613 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,396/mo | $46,914 |
Investment Property 25% Down | 25% | 740 credit score | 7.592% | 7.628% | 0 pts ($0) | $2,027/mo | $64,526 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $2,064/mo | $64,511 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,227/mo | $68,285 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.409% | 7.181% | 0 pts ($0) | $2,354/mo | $83,740 |
Second Home 10% Down | 10% | 720 credit score | 6.052% | 6.623% | 0 pts ($0) | $2,078/mo | $70,229 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,015/mo | $62,285 |
VA 0% Down | 0% | 700 credit score | 6.024% | 6.264% | 0 pts ($0) | $2,352/mo | $77,639 |
VA Cash-Out Refi | 0% | 640 credit score | 6.035% | 6.399% | 0 pts ($0) | $2,354/mo | $77,768 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.058% | 6.207% | 0 pts ($0) | $2,360/mo | $78,039 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,108/mo | $66,673 |
Frequently Asked Questions
What are today's mortgage rates in Washington Unified School District (9-12), CA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Washington Unified School District (9-12), CA is 6.896% (with an estimated monthly payment of $2,467). Active program rates also include FHA 30-year fixed loans at 6.030% and VA 0%-down fixed loans at 6.024%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Washington Unified School District (9-12), CA?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in Washington Unified School District (9-12), CA have fluctuated between a low of 6.498% and a high of 6.959%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in Washington Unified School District (9-12), CA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $382,997 in Washington Unified School District (9-12), CA, a standard 20%-down Conventional loan requires an upfront cash down payment of $76,599 but keeps your monthly payment lower at $2,467/mo (at 6.896% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,405 (3.5% down) but has an estimated payment of $2,766/mo (at 6.030% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $369,592 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Washington Unified School District (9-12) before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Washington Unified School District (9-12) is $806,501. With a typical local home value of $382,997 in , a standard 20%-down mortgage requires a loan size of $306,398. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in Washington Unified School District (9-12), CA impact estimated mortgage payments?
The median home value in Washington Unified School District (9-12), CA is estimated at $382,997. Buying a typical home here with a standard 20% down payment ($76,599) translates to an estimated starting monthly mortgage payment of $2,467 (principal and interest). Compared to the local area median household income of $70,786 ($5,899/mo), this basic housing payment represents approximately 41.8% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.